Which type of adjuster is employed by the insurance company?

A staff adjuster is directly employed by the insurance company and works exclusively for that organization. This adjuster handles claims on behalf of the insurer and is involved in investigating, evaluating, and settling those claims. Since they are part of the company's team, staff adjusters follow the policies and procedures set forth by their employer, ensuring that the company’s interests are represented in the claims process.

On the other hand, a public adjuster advocates for policyholders and is typically hired by them to maximize the settlement of their insurance claims. An independent adjuster operates on a contract basis and is not tied to just one insurance company, allowing them to work for various insurers. A freelance adjuster, while sounding similar to an independent one, is less common and generally indicates a more informal arrangement, whereas independent adjusters follow industry standards and may provide services to multiple clients. Thus, the clear distinction of the staff adjuster as an employee of the insurance company makes this the correct answer.